| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS COROON CORP. | 6322 DEANE HILL DR KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $129K | — | $129K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $367K | — | $367K | 9.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $41K | $41K | 1.10% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | KANAWHA INSURANCE COMPANY | $315K | — | $315K | 17.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | KANAWHA INSURANCE COMPANY | $72K | — | $72K | 4.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GA INC | 1 GLENLAKE PKWY 11TH FLOOR ATLANTA, GA 30328 | KANAWHA INSURANCE COMPANY | — | $12K | $12K | 0.71% |
| MICHAEL K PARROTT3 | 1100 EMPLOYERS BLVD GREEN BAY, WI 54344 | KANAWHA INSURANCE COMPANY | $5K | — | $5K | 0.30% |
| CAROLE E CALLAHAN3 | SUITE A1 10975 STERLING VIEW DR SOUTH JORDAN, UT 84095 | KANAWHA INSURANCE COMPANY | $126 | — | $126 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN, INC. | 265 BROOKVIEWCENTRE WAY STE 505 KNOXVILLE, TN 37919 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $78K | — | $78K | 9.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN, INC | 265 BROOKVIEW CENTRE 505 KNOXVILLE, TN 37919 | FEDERAL INSURANCE COMPANY | $461 | — | $461 | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 10,700 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 367 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 11,834 | $6.1M |
| Vision(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 10,669 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,487 | $5.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,487 | $3.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,487 | $3.7M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 10,700 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,834 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.